Discover it® Chrome
Basic Information
Program ID: discover-it-chrome
Issuer: Discover
Card Type: Credit
Network: Discover
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:12
Last Scraped: 01/15/2026 07:49
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 1,824.00% - 2,824.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 6 months
Balance Transfer APR: 1,824.00%
Intro BT APR: 0.00%
Intro BT Duration: 6 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Discover will automatically match all the cash back you’ve earned at the end of your first year.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Gas Stations, 2x Restaurants
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: The Discover it Chrome card offers a Cashback Match for the first year, meaning all cashback earned in the first 12 months is automatically matched at the end of the year. Eligibility requires applicants to be 18 years or older, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Good to excellent credit is generally required for approval. Discover enforces a strict 'one personal card at a time' rule; existing Discover personal cardholders must typically close their current account before being approved for a new personal Discover card.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 12 months (for Cashback Match calculation)
Shutdown Risk Triggers: Manufactured spending, abuse of bonus offers or cashback programs, suspicious spending patterns inconsistent with declared income, failure to make timely payments, providing inaccurate information on application, repeated opening and closing of accounts (churning).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Strong cash back on gas and dining, no annual fee, excellent first-year Cashback Match, and good for credit building with strong customer service.
Top Negative Feedback:
Quarterly caps on bonus categories limit earning potential, and the general rewards rate is standard, not ideal for high spenders outside of bonus categories.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Discover it® Cash Back
- Chase Freedom Unlimited
- Capital One Quicksilver
Card Value Score: 75.0 / 100
Est. Annual Rewards: $240.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: 2024-01-01
Last Updated: 01/01/2024 00:00